VISA® Platinum

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VISA® Platinum
  • The Prestige of Platinum • Rate of 11.9%
  • • Limits up to $5,000
Interest Rates and Interest Charges for VISA® Platinum
Annual Percentage Rate 11.9% APR
APR for Balance Transfer  11.9% APR
APR for Cash Advances 11.9% APR
Penalty APR and When It Applies None
Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on new purchases, provided you have paid your previous balance in full by the due date each month. We will begin charging interest on cash advances on the transaction date.
Minimum Interest Charge If you are charged interest, the charge will be no less than $.50
For Credit Card Tips from the Federal Reserve Board

To Learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at

Set-up and Maintenance Fees NOTICE: Some of these set-up and maintenance fees will be assessed before you begin using your card and will reduce the amount of credit you initially have available.
Annual Fee None
Additional Card Fee $10
Transaction Fees
Balance Transfer None
Cash Advance None
Foreign Transaction 1% of the U.S. dollar amount on transactions made in a foreign currency, as of the transaction date.
Penalty Fees
Late Up to $25
Returned Payment $25

Additional Details

  • Interest rate not increased due to or based on
    • late payments to us or other creditors (Universal Default)
    • amount of your balance
    • where you shop
  • No fees for Balance Transfers or cash advances
  • Great card benefits*
  • Auto rental collision damage waiver – Personal
  • Cardholder inquiry service
  • Emergency cash disbursement & card replacement lost/stolen card reporting
  • Zero liability**

Request a Credit Limit Increase

  • Fill out and print our request form
  • Gather your proof of income: current paystub and the previous year's W2, or first two pages of the previous year's 1040 tax return
  • Return the completed request form and proof of income documents via fax to 212.354.8541

* Certain restrictions, limitation, and exclusions apply

**Covers U.S.-issued card only. VISA’s Zero Liability Policy does not apply to commercial credit card, ATM transactions, or PIN transactions not processed by VISA

Term Rate (APR)

APR = Annual Percentage Rate; APY = Annual Percentage Yield

Rates and terms subject to change without notice. As of 10/16/2019